CN101303781A - Method and equipment for preventing finance card from brushing deceptively - Google Patents
Method and equipment for preventing finance card from brushing deceptively Download PDFInfo
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- CN101303781A CN101303781A CNA2008101149893A CN200810114989A CN101303781A CN 101303781 A CN101303781 A CN 101303781A CN A2008101149893 A CNA2008101149893 A CN A2008101149893A CN 200810114989 A CN200810114989 A CN 200810114989A CN 101303781 A CN101303781 A CN 101303781A
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Abstract
The invention discloses a method and a device for preventing the unauthorized use of a fiscal card; after a user stamps a card on the card punching terminal of a financial system, the value of the distance between an intelligent mobile terminal device of the fiscal card owner and the current card punching terminal is obtained. The value of the distance can be determined through the positioning information about the intelligent mobile terminal device and information about the position of the current card punching terminal provided by a bank. The obtained distance value is then compared with a predefined distance value; if the value of the distance between the intelligent mobile terminal device and the current card punching terminal is smaller than the predefined distance value, then the financial system automatically performs a remit account, and the consumption transaction is succeeded; if the value of the distance between the intelligent mobile terminal device and the current card punching terminal is larger than the predefined distance value, then the issuing bank takes further measures after taking the advice from the fiscal card owner. The scheme of the invention further enhances the safety of using the fiscal card.
Description
Technical field
The present invention relates to the fiscard anti-theft technique, be meant a kind of computer system of method, intelligent mobile terminal equipment and financial transaction of location-based preventing finance card from brushing deceptively especially.
Background technology
Current, fiscard commonly used mainly contains credit card (Credit), deposit card (Debit), stored value card etc.It is safe in utilization that deposit card mainly relies on cryptographic technique to ensure; And credit card mainly relies on the signature technology guarantee safe in utilization, also has part bank or zone to use I.D. to verify certainly and ensures the safe in utilization of fiscard.Along with bank releases the directly business of bankcard consumption of deposit card, and obtain the support energetically of each businessman, the consumer has also experienced the various facilities that this business is brought simultaneously, and therefore increasing people begins to select this business.Yet, for need not the consumer input privately owned password can the credit card of bankcard consumption for, because the salesman in consumption place may ignore examining of handwriting signature, and handwriting signature is easy to the imitation forgery, therefore, how to prevent that in the very first time personation of credit card from stealing brush, avoiding economic loss of user is the instant thing of part.Rely on the deposit card of cryptographic technique also dangerous, the use of password also may be the process of divulging a secret of password simultaneously, because password all uses on common equipment, the lawless person can utilize certain means like a cork, have premediation ground to obtain password, hold then and steal brush.
Increasing in the world organization begins to pay close attention to solve these problems that fiscard exists how up hill and dale, such as fiscard all being changed into integrated circuit (IC) card or the like, but this will cause all possibilities on the verge of being replaced of existing fiscard swiping card equipment, increase the operation cost of financial sectors such as banking system virtually.
Summary of the invention
In view of this, the present invention proposes a kind of computer system of method, intelligent mobile terminal equipment and financial transaction of preventing finance card from brushing deceptively, further improves the security that fiscard uses.
Based on above-mentioned purpose a kind of preventing finance card from brushing deceptively method provided by the invention, comprising:
When the user after the terminal of swiping the card of financial sector is stamped the card, obtain possessory intelligent mobile terminal equipment of fiscard and current distance value of swiping the card between the terminal;
The distance value and the predefined distance value that obtain are compared:
If intelligent mobile terminal equipment and the current distance value between the terminal of swiping the card are less than the predefine distance value, then financial sector is drawn account automatically, this consumer sale success; If intelligent mobile terminal equipment and the current distance between the terminal of swiping the card are then solicited after the possessory suggestion of fiscard greater than the predefine range information, issuing bank takes further measures.
Preferable, this method is described obtains the possessory intelligent mobile terminal equipment of fiscard and current distance value step of swiping the card between the terminal also comprises: obtain described intelligent mobile terminal equipment and the described location information of terminals of swiping the card respectively, according to positional information calculation intelligent mobile terminal equipment and current distance value of swiping the card between the terminal.
Preferable, the positional information of the described intelligent mobile terminal equipment of this method is obtained by intelligent terminal, and the current location information of terminals of swiping the card is obtained and is sent to intelligent terminal by financial sector;
Intelligent terminal calculates described intelligent mobile terminal equipment and current distance value of swiping the card between the terminal, and distance value and the predefined distance value that obtains compared;
If intelligent mobile terminal equipment and the current distance value between the terminal of swiping the card are less than the predefine distance value, then intelligent mobile terminal equipment sends confirmation to financial sector; If intelligent mobile terminal equipment and the current distance between the terminal of swiping the card are greater than the predefine range information, then whether intelligent mobile terminal device prompts user carries out normal consume operations, and user's selection result is sent to financial sector.
Preferable, the possessory selection result of the described fiscard of this method comprise agree this consumer sale and to its fiscard draw account, cancel this consumer sale, financial sector is freezed its fiscard.
Preferable, the described financial sector of this method also sends to intelligent terminal with the details of described this consumption of the user of swiping the card.
The details of described this consumption of the user of swiping the card of this method comprise: this charge time, the detailed list of customer consumption.
Preferable, the possessory intelligent mobile terminal equipment of described financial sector of this method and fiscard is by the public telecom network interactive information.
Preferable, this method is bound the communication identifier and the fiscard sign of card user's intelligent mobile terminal equipment in the hair fastener financial sector, financial sector identifies the communication identifier that finds user's intelligent mobile terminal equipment according to the fiscard that obtains, and sends information by public telecom network or local area wireless network to intelligent mobile terminal equipment according to this communication identifier; Intelligent mobile terminal equipment returns to financial sector according to the source address of received information with the information of required transmission.
Preferable, the positional information of the possessory intelligent mobile terminal equipment of the described fiscard of this method obtains by positioning system;
The described location information of terminals of swiping the card is to be stored in advance and provided by the financial sector of this fiscard, perhaps obtains by positioning system.
Preferable, the described positioning system of this method is global position system GPS or network assistance GPS positioning system AGPS or GPS one.
Preferable, the positional information of the possessory intelligent mobile terminal equipment of the described fiscard of this method comprises longitude, latitude, the elevation information of intelligent mobile terminal equipment current location;
The described location information of terminals of swiping the card comprises the longitude, latitude of this described terminal position of swiping the card, highly.
Preferable, the described intelligent mobile terminal equipment of this method is smart mobile phone, the equipment that maybe can obtain himself position and have ability to communicate, computing power and storage capacity;
Described fiscard is that the stored value card of bank card or other types or the meter of borrowing of other types block;
Described financial sector is a banking system, or other commercial undertakings or the mechanism that pays the fees.
Also provide a kind of intelligent mobile terminal equipment of realizing preventing finance card from brushing deceptively based on above-mentioned purpose the present invention, having comprised: locating module is used to obtain the current position of intelligent mobile terminal equipment information;
The bank information module is used to receive the current terminal position information of sending from financial sector of swiping the card;
Apart from judging module,, calculate intelligent mobile terminal equipment and the current terminal absolute distance value between the position separately of swiping the card according to intelligent mobile terminal equipment current position information and the current terminal position information of swiping the card; The described absolute distance value and the predefined reference distance value that calculate are compared;
The user confirms module, receives described comparative result from the distance judging module, if intelligent mobile terminal equipment and the current absolute distance value between the terminal of swiping the card less than the predefine distance value, then send confirm transaction information to operation executing module; If intelligent mobile terminal equipment and the current absolute distance value between the terminal of swiping the card be greater than the predefine distance value, this consumer sale of then pointing out the user whether to agree fiscard, and user's selection result sent to operation executing module;
Operation executing module is used to collect the information that the user confirms that module transmits and is sent to financial sector.
Preferable, the described locating module of this intelligent mobile terminal equipment, comprise position signalling receiving antenna and positional information receiver, wherein the radiofrequency signal that receives from HA Global Positioning Satellite of position signalling receiving antenna flows to the positional information receiver by this position signalling receiving antenna; The positional information receiver is analyzed to the received signal, extracts the current position of intelligent mobile terminal equipment information;
Described bank information module, comprise bank information receiving antenna and bank information receiver, the bank information receiving antenna receives the radiofrequency signal of sending from the hair fastener financial sector about user card punching information at any time, flows to the bank information receiver by this bank information receiving antenna; The bank information receiver is analyzed to the received signal, obtains the current terminal position information of swiping the card, and stores the bank information receiver into, and the positional information of extracting wherein directly is transferred to apart from judging module simultaneously;
Described apart from judging module, comprise distance calculation submodule and judgement submodule, the distance calculation submodule calculates intelligent mobile terminal equipment and the current terminal absolute distance between the position separately of swiping the card according to the input information of locating module and bank information module; The reference distance of absolute distance that the judgement submodule calculates the distance calculation submodule and the definition of predefine range information compares;
The user confirms module, comprises confirming submodule, forbidding that submodule and inefficacy submodule, user select to agree after this consumer sale of fiscard, triggers and confirms that word modules sends confirmation to operation executing module; The user selects issuing bank to freeze after its fiscard, triggers to forbid that submodule sends and freeze the information of current fiscard to operation executing module; The user refuses after this consumer sale of fiscard, triggers the inefficacy submodule and sends the information of this consumer sale of cancellation to operation executing module.
Preferable, the bank information module of this intelligent mobile terminal equipment also receives the details of this consumption of user of swiping the card that financial sector sends;
Described user confirms module, also comprise fiscard consumption information collection submodule, it is detailed single to obtain this consumption of fiscard from the bank information module, be shown to intelligent mobile terminal equipment display interface and present to the user, if the user selects to confirm, then trigger and confirm that word modules sends confirmation to operation executing module.
Preferable, the described intelligent mobile terminal equipment of this intelligent mobile terminal equipment is smart mobile phone, the equipment that maybe can obtain himself position and have ability to communicate, computing power and storage capacity.
Also provide a kind of financial sector that realizes preventing finance card from brushing deceptively based on above-mentioned purpose the present invention, this system is a computer system, comprising:
The card using information acquisition module, when action was swiped the card in generation, this card using information acquisition module was activated and gathers current bank brushing card location information of terminals of swiping the card, and these information are sent to transceiver module;
Transceiver module is used for the bank brushing card location information of terminals is sent to intelligent mobile terminal equipment; Reception is by the operation information of the transmission of intelligent mobile terminal equipment, and is sent to the enforcement of judgment execute a judgement module of hair fastener financial sector;
The enforcement of judgment execute a judgement module will be resolved the operation information that transceiver module obtains, and next step operation of judgement financial sector.
Preferable, financial sector also comprises: the module of transferring accounts, enforcement of judgment execute a judgement module judge that the user agrees to start this module of transferring accounts after this transaction of fiscard, and this consumption amount of money is deducted by issuing bank from fiscard;
Pintle hook lock module, enforcement of judgment execute a judgement module start this pintle hook lock module after judging that the user selects the pintle hook lock operation, and freezing this may stolen fiscard;
No operational module, enforcement of judgment execute a judgement module judge that the user refuses to start no operational module after this consumer sale of fiscard, and the not pintle hook lock of neither transferring accounts is also waited for the arriving of the action of next time swiping the card.
Preferable, the described transceiver module of this financial sector comprises: send submodule and receive submodule, send submodule and be responsible for the financial sector location information of terminals of swiping the card is sent to intelligent mobile terminal equipment; Receive submodule and be responsible for receiving the operation information that sends by the intelligent mobile terminal device transmission, and be sent to the enforcement of judgment execute a judgement module of financial sector.
Preferable, the described transceiver module of this financial sector is used for sending to intelligent mobile terminal equipment the details of this consumption of user of swiping the card.
Preferable, the described fiscard of this financial sector is that the stored value card of bank card or other types or the meter of borrowing of other types block;
Described financial sector is a banking system, or other commercial undertakings or the mechanism that pays the fees.
From above as can be seen, the method and apparatus of preventing finance card from brushing deceptively provided by the invention utilizes possessory intelligent mobile terminal equipment of fiscard and the current distance relation of swiping the card between the terminal of he or she to avoid the stolen brush of fiscard.Compared with prior art, the present invention has following tangible advantage:
(1) power system capacity is big, and the capacity of this system depends on the processing power of public telecom network base station and the processing power of financial sector in theory, and their capacity has much, and the capacity of this system just has much;
(2) monitoring range is wide, and public telecom network is for covering communication network the most widely;
(3) utilize the current public telecommunications network, saved the cost of investment of special newly-built antitheft card-punching system and safeguarded running cost;
(4) the present invention is easy to implement, only need download and install the operation corresponding software system respectively in intelligent mobile terminal equipment and hair fastener financial sector and get final product, need not increase and changes any existing hardware device.
Description of drawings
Fig. 1 is an intelligent mobile terminal functions of the equipments modular structure block diagram in the embodiment of the invention;
Fig. 2 is issuing bank's software system function merit modular structure block diagram in the embodiment of the invention;
Fig. 3 is the method embodiment schematic flow sheet of bank card anti-theft brush of the present invention;
Fig. 4 is the method overall procedure synoptic diagram of bank card anti-theft brush of the present invention.
Embodiment
Along with the develop rapidly of information age, intelligent mobile terminal equipment (for example mobile phone) has become the requisite means of communication of people, and it is the same with bank card, all is people's indispensable carry-on articles of living every day, and card is not from body, and machine is not from hand.The manufacturing technology of mobile phone is more and more superb, and performance is more and more superior.At present mobile phone integrates functions such as GPS (GPS), operating system, can finish multiple strong functions.Global in addition public telecom network gathers, and the place that people can arrive is all covered by public telecom network.Therefore design of the present invention is exactly to utilize intelligent mobile terminal equipment to realize the illegal of bank card.
Design philosophy of the present invention is according to fiscard possessory intelligent mobile terminal equipment position and the current distance relation of swiping the card between the terminal that uses this fiscard to stamp the card, realizes the function of location-based bank card anti-theft brush.Can realize by the software or hardware feature module is set respectively in described intelligent mobile terminal equipment and financial sector.Wherein, described fiscard can be bank card (as: credit card, a deposit card etc.), also can be other types stored value card, borrow meter card etc., such as the stored value card of commercial undertaking's distribution, member card etc.Described financial sector also can be other commercial undertakings or the mechanism etc. that pays the fees except that common banking system.
With reference to the accompanying drawings 1～4, be example with bank card commonly used in the terminal process of swiping the card of swiping the card of banking system, the embodiment of the invention is described more fully.
Referring to shown in Figure 4, the method for bank card anti-theft brush of the present invention mainly comprises:
Step 401～402, when the user after the terminal of swiping the card of banking system is stamped the card, obtain possessory intelligent mobile terminal equipment of bank card and current distance value of swiping the card between the terminal.The current terminal positional information of swiping the card that this distance value specifically can provide by the locating information and the bank of intelligent mobile terminal equipment calculates to be determined.
Step 403～407 compare distance value and the predefined distance value that obtains:
If intelligent mobile terminal equipment and the current distance value between the terminal of swiping the card are less than the predefine distance value, then banking system is drawn account (step 405) automatically, this consumer sale success; If intelligent mobile terminal equipment and the current distance between the terminal of swiping the card are greater than the predefine range information, then solicit after the possessory suggestion of bank card, issuing bank takes further measures, such as: to its bank card draw account (step 405), issuing bank freezes its bank card (step 406), cancels this consumer sale (step 407).
Possessory intelligent mobile terminal equipment of bank card of the present invention and current distance value of swiping the card between the terminal can be by being installed in the positioning system on the described intelligent mobile terminal equipment, such as: GPS (GPS) or network assistance GPS positioning system (AGPS) or GPS one etc. obtain the positional information of intelligent mobile terminal equipment; Obtain the current location information of terminals of swiping the card by the mode that positioning system or banking system are preserved in advance, again by the described distance value of the two positional information calculation.
Communicating by letter between described intelligent mobile terminal equipment and the banking system, can in the system of issuing bank, bind the communication identifier and the bank card sign of card user's intelligent mobile terminal equipment, after detecting the operation of swiping the card, banking system finds the communication identifier of user's intelligent mobile terminal equipment according to the bank card sign that obtains, and according to this communication identifier by public telecom network (such as: the mobile network) or local area wireless network etc., send information to intelligent mobile terminal equipment; Equally, intelligent mobile terminal equipment can return to banking system with the selected operating result of card user according to the source address of received information.
Referring to shown in Figure 1, the embodiment of the invention comprises in intelligent mobile terminal equipment:
Locating module 101, comprise position signalling receiving antenna 1011 and positional information receiver 1012, wherein the radiofrequency signal that receives from the GPS HA Global Positioning Satellite of position signalling receiving antenna 1011 flows to positional information receiver 1012 by this position signalling receiving antenna 1011; Positional information receiver 1012 is analyzed to the received signal, extract the longitude, latitude of the current position of intelligent mobile terminal equipment, highly, information such as direction of motion, time.Position information such as longitude wherein, latitude and height directly are transferred to apart from judging module 103.
Bank information module 102, comprise bank information receiving antenna 1021 and bank information receiver 1022, wherein bank information receiving antenna 1021 receives the radiofrequency signal of sending from the system of issuing bank about user card punching information at any time, flows to bank information receiver 1022 by this bank information receiving antenna 1021; Bank information receiver 1022 is analyzed to the received signal, obtain the details information such as (as: user's consumption are detailed single in this charge time, the transaction this time) of the current terminal position information of swiping the card (as: longitude, latitude, highly) and this consumption of user of swiping the card, and storing bank information receiver 1022 into, the information of extracting wherein such as longitude, latitude and height directly are transferred to apart from judging module 103 simultaneously.
Apart from judging module 103, preserve the predefine range information, and comprise distance calculation submodule 1031 and adjudicate submodule 1032, wherein distance calculation submodule 1031 calculates intelligent mobile terminal equipment and the current terminal absolute distance between the position separately of swiping the card according to the input information of locating module 101 and bank information module 102.The predefine range information is the custom of swiping the card the position and placing intelligent mobile terminal equipment according to most bank card owners, intelligent mobile terminal equipment that sets in advance and current reference distance of swiping the card between the terminal, the bank card owner can reset according to individual's custom.Judgement submodule 1032 is that the absolute distance that distance calculation submodule 1031 is calculated and the reference distance of predefine range information definition are compared, and rules out next step possible operation of the bank card owner.
The user confirms module 104, comprise bank card consumption information acquisition submodule 1041, confirm submodule 1042, forbid submodule 1043 and inefficacy submodule 1044, it is detailed single that wherein bank card consumption information acquisition submodule 1041 will obtain this consumption of bank card from bank information module 102, is shown to intelligent mobile terminal equipment display interface and presents to the user.Confirm submodule 1042, the user agrees to trigger this module after this consumer sale of bank card, then enters operation executing module 105.Forbid submodule 1043, the user realizes that bank card may be stolen after the brush by the lawless person, clicks this module, then enters operation executing module 105.Inefficacy submodule 1044, the user refuses to click this module after this consumer sale of bank card, then enters operation executing module 105.
Operation executing module 105 is collected the user and is confirmed that the information that module 104 transmits is sent to issuing bank.The signal that operation executing module 105 receives can be confirmed module 104 from distance judging module 103 and user.When operation executing module 105 receives signal from distance judging module 103, illustrate that this moment, swipe the card distance between position and the intelligent mobile terminal equipment position of bank card was within the reference distance that the bank card owner presets, be safe consumption, operation executing module 105 sends the signal of transferring accounts with the reception submodule 2022 in issuing bank; When operation executing module 105 receives when confirming the signal of module 104 from the user, the difference action that will select according to the user (for example confirm, cancellation, pintle hook lock) sends corresponding signal (for example transferring accounts, do not have operation, pintle hook lock) to the reception submodule 2022 of issuing bank.
Referring to shown in Figure 2, embodiment of the invention banking system comprises:
Card using information acquisition module 201, when action is swiped the card in generation, this module is activated and gathers current bank brushing card location information of terminals of swiping the card, be the longitude, latitude of the current terminal position of swiping the card, highly, detailed information such as single of time, bank card consumption, next these information are sent to transceiver module 202.
Enforcement of judgment execute a judgement module 203 will be resolved receiving the information of obtaining in the submodule 2022, and next step is to carry out bank card to transfer accounts, freeze bank card or no any operation to adjudicate issuing bank.
The module 204 of transferring accounts, the user agrees that issuing bank will start this module after this transaction of bank card, issuing bank deducts this and consumes the amount of money from bank card.
Pintle hook lock module 205, the user realizes that bank card may be stolen after the brush by the lawless person, selects the pintle hook lock operation, and issuing bank will start this module, and freezing this may stolen bank card.
No operational module 206, the not pintle hook lock of neither transferring accounts is also waited for the arriving of the action of next time swiping the card.
Based on above-mentioned portable terminal and system of issuing bank, the method for the bank card anti-theft of embodiment of the invention brush referring to shown in Figure 3, comprising:
Information interaction between banking system and the intelligent mobile terminal equipment can utilize mobile network's packet-switch technology to realize.The card user can require bank card and my intelligent mobile terminal device identification (ID) are bound in issuing bank, and a unique card user's intelligent mobile terminal device identification (ID) and the identification information of bank card (as the card number of bank card etc.) binding will all be arranged in the system of issuing bank.Receive when issuing bank after the card using information of bank card, send submodule 2021 and find intelligent mobile terminal device id with its binding, and the information such as details of swipe the card the terminal address information and this consumption of user of swiping the card can be sent on the pairing intelligent mobile terminal of this ID according to the identification information of bank card.
Step 302～303, after bank information module 102 on the intelligent mobile terminal equipment receives the information that sends from the system of issuing bank, be trigger position signal receiving antenna 1011 and positional information receiver 1012 longitude that obtains current this intelligent mobile terminal equipment position, latitude, highly, information such as direction of motion, time, and information such as longitude, latitude and height wherein are sent to apart from judging module 103.
Step 304, intelligent mobile terminal equipment apart from preserving described predefine range information in the judging module 103, by judgement submodule 1032 is that the absolute distance that distance calculation submodule 1031 is calculated and the reference distance of predefine range information definition are compared, if intelligent mobile terminal equipment and the current absolute distance between the terminal of swiping the card are less than reference distance then think that the bank card owner and he or she's bank card are in same place, to change operation executing module 105 this moment automatically over to, execution in step 305～306, send the information of confirming consumption to banking system, the system of issuing bank carries out the operation of transferring accounts, if intelligent mobile terminal equipment and the current absolute distance between the terminal of swiping the card are greater than reference distance, think that then the bank card owner and he or she's bank card are in different places, to change the user over to and confirm module 104 this moment, enter step 307 and solicit the possessory suggestion of bank card.In addition, in this step, if intelligent mobile terminal equipment and the current absolute distance between the terminal of swiping the card are less than reference distance, can confirm that also the bank card consumption information acquisition submodule 1041 in the module 104 will obtain the detailed list of this consumption of bank card by the user of intelligent mobile terminal equipment from the information that bank information module 102 collects, and the user is presented at the interface that is shown to intelligent mobile terminal equipment, and whether the prompting user confirms this bankcard consumption, if confirm, then execution in step 305～306, otherwise enter step 307.
The user of intelligent mobile terminal equipment confirms that the bank card consumption information acquisition submodule 1041 in the module 104 will obtain the detailed list of this consumption of bank card from the information that bank information module 102 collects, and be shown to the interface of intelligent mobile terminal equipment, present to the user, for providing affirmation, cancellation, three kinds of operations of pintle hook lock, the user selects, and, carry out the operation of following steps 307～314 according to user's selection:
Step 307～309, if the user realizes bank card and may be stolen brush by the lawless person, hope is carried out the pintle hook lock operation to this bank card, then select pintle hook lock, forbid that submodule 1043 transmits confirmation signal to operation executing module 105, the reception submodule 2022 of operation executing module 105 in the system of issuing bank sends the pintle hook lock signal; The reception submodule 2022 of issuing bank is responsible for receiving the operation information by operation executing module 105 transmission of intelligent mobile terminal equipment, and this information is sent to the enforcement of judgment execute a judgement module 203 of system of issuing bank, enforcement of judgment execute a judgement module 203 is responsible for resolving from receiving the operation information that submodule 2022 obtains, start pintle hook lock module 205, freeze this bank card.
Step 310～312, if the user refuses the consumer sale of this bank card, then select cancellation, inefficacy submodule 1044 corresponding cancellation message are sent to operation executing module 105, and the reception submodule 2022 of operation executing module 105 in the system of issuing bank sends cancelling signal; The reception submodule 2022 of issuing bank is responsible for receiving the operation information by operation executing module 105 transmission of intelligent mobile terminal equipment, and this information is sent to the enforcement of judgment execute a judgement module 203 of system of issuing bank, enforcement of judgment execute a judgement module 203 is responsible for resolving from receiving the operation information that submodule 2022 obtains, start no operational module 206, the not pintle hook lock of neither transferring accounts also, return the card using information acquisition module 201 of issuing bank, wait for the action of next time swiping the card.
Step 313～314, if the user agrees the consumer sale of this bank card, then select to confirm, confirm that submodule 1042 is sent to operation executing module 105 with corresponding acknowledge message, the reception submodule 2022 of operation executing module 105 in the system of issuing bank sends the signal of transferring accounts; The reception submodule 2022 of issuing bank is responsible for receiving the operation information by operation executing module 105 transmission of intelligent mobile terminal equipment, and this information is sent to the enforcement of judgment execute a judgement module 203 of system of issuing bank, enforcement of judgment execute a judgement module 203 is responsible for resolving from receiving the operation information that submodule 2022 obtains, start the module 204 of transferring accounts, the amount of money of this consumption of deduction from bank card.
The operation executing module 105 of intelligent mobile terminal also realizes by mobile network's packet-switch technology to the reception submodule 2022 transmit operation results' of system of issuing bank process in the above steps.Operation executing module 105 is according to the source address of the information such as details of the address information that is received and this consumption of user of swiping the card, described operating result is back to the reception submodule 2022 of system of issuing bank, and the system of issuing bank carries out follow-up corresponding operation to this bank card account.
In an embodiment of the present invention, if the card user utilizes bank card to consume, bank card is swiped the card distance between position and the intelligent mobile terminal device location within the reference distance that the bank card owner presets.At this moment, when action is swiped the card in user's execution, the card using information acquisition module 201 of issuing bank will be triggered, and obtain this current location information of terminals of swiping the card this moment, and by sending the mobile intelligent terminal equipment that submodule 2021 sends to this positional information this bank card user.The possessory mobile intelligent terminal equipment of this bank card obtains my current position information by gps system, and calculate and current absolute distance of swiping the card between the terminal location, the reference distance of presetting with the bank card owner is compared then, the absolute distance that calculate this moment is within the reference distance that the bank card owner presets, so mobile intelligent terminal equipment directly will be confirmed the signal of carrying out this bankcard consumption transaction and send issuing bank to, all processes is finished automatically, need not any operation through the user.
If user's bank card is stolen, promptly the bank card absolute distance of swiping the card between position and the intelligent mobile terminal device location surpasses the reference distance that the bank card owner presets.At this moment, when the lawless person illegally swipes the card action, the card using information acquisition module 201 of issuing bank will be triggered, and obtain the current location information of terminals of swiping the card this moment, and by sending submodule 2021 this positional information be sent to the possessory mobile intelligent terminal equipment of this bank card.The possessory mobile intelligent terminal equipment of this bank card obtains my current position information by gps system, and calculate and current absolute distance of swiping the card between the terminal location, the reference distance of presetting with the bank card owner is compared then, the absolute distance that calculate this moment surpasses the reference distance that the bank card owner presets, so mobile intelligent terminal device start user confirms module 104, point out its bank card of this bank card owner to consume, before the bank card owner confirmed that this can carry out the operation of swiping the card, bank card can't normally be consumed.The bank card owner selects the pintle hook lock operation after obtaining the information that he or she's bank card consuming, issuing bank starts pintle hook lock module 205 after receiving pintle hook lock information, freeze this bank card account.
If user's bank card is lent to kith and kin, promptly the bank card absolute distance of swiping the card between position and the intelligent mobile terminal device location surpasses the reference distance that the bank card owner presets.At this moment, when kith and kin swipe the card action, the card using information acquisition module 201 of issuing bank will be triggered, and obtain the current location information of terminals of swiping the card this moment, and by sending submodule 2021 this positional information be sent to the possessory mobile intelligent terminal equipment of this bank card.The possessory mobile intelligent terminal equipment of this bank card obtains my current position information by gps system, and calculate and current absolute distance of swiping the card between the terminal location, the reference distance of presetting with the bank card owner is compared then, the absolute distance that calculate this moment surpasses the reference distance that the bank card owner presets, so mobile intelligent terminal device start user confirms module 104, point out its bank card of this bank card owner to consume.This bank card owner can check the detailed list of this consumer sale by bank card consumption information acquisition submodule 1041 after obtaining this information.When the amount of money of this consumption was within the possessory permissible range of this bank card, this bank card owner selected " affirmation ", and then issuing bank starts the module 204 of transferring accounts, and this consumer sale is normally finished; When the amount of money of this consumption surpassed the possessory permissible range of this bank card, this bank card owner selected " cancellation ", and then issuing bank starts no operational module 206, and this consumer sale failure is not proceeded next record consumption but do not influence this bank card.
Information interaction interactive mode between banking system described in the above embodiment of the present invention and the intelligent mobile terminal equipment is not unique, for example: also can utilize public mobile network, by the information interaction between sms technique realization banking system and the intelligent mobile terminal equipment, such as in issuing bank with the mobile number of intelligent mobile terminal equipment and the identification information of bank card (as the card number of bank card etc.) binding, receive when issuing bank after the card using information of bank card, find mobile number with the intelligent mobile terminal equipment of its binding according to the identification information of bank card, and the information such as terminal address information and this card using information of will swiping the card according to mobile number send on the corresponding intelligent mobile terminal by note.In note, can add special identifier, so that the intelligent mobile terminal recognition of devices.After intelligent mobile terminal equipment is received the note that has this sign, start bank information module 102, through after the intelligent mobile terminal side is carried out corresponding operating, operating result will be according to the source Mobile Station International ISDN Number of reception note, operation executing module 105 by intelligent mobile terminal is back to the reception submodule 2022 of issuing bank with the form of note, returns in the note at this equally also can add some special identifier.Issuing bank discerns after receiving this note, and the pairing bank card account of this intelligent mobile terminal mobile number is operated accordingly.
Terminal does not belong to issuing bank if swipe the card, and then can utilize the network interaction between the banking system to obtain by the affiliated banking system and the system of issuing bank of this terminal of swiping the card.
Therefore, banking system of the present invention also not necessarily only at the banking system of user's issuing bank, because the network interconnection between the bank is very general, therefore also can realize the present invention on other bank brushing card terminals beyond the issuing bank.Above-mentioned is example with the banking system, and those of ordinary skill in the art can be generalized to other financial sectors with technique scheme of the present invention fully.Intelligent mobile terminal equipment of the present invention can be smart mobile phone, also can be substituted by any equipment that can obtain himself position and have certain communication ability, computing power and a storage capacity.
In addition, technical solution of the present invention be except protecting the fiscard, can also protect any article that directly can obtain or can obtain himself position and can be protected to the needs of its position of intelligent mobile terminal device report by load-on module.
Description of the invention is in order to provide for the purpose of example and the explanation, and is not exhaustively or limit the invention to disclosed form.Many modifications and variations are obvious for the ordinary skill in the art.Selecting and describing embodiment is for better explanation principle of the present invention and practical application, thereby and makes those of ordinary skill in the art can understand the various embodiment that have various modifications that the present invention's design is suitable for special-purpose.
Claims (21)
1. a preventing finance card from brushing deceptively method is characterized in that, comprising:
When the user after the terminal of swiping the card of financial sector is stamped the card, obtain possessory intelligent mobile terminal equipment of fiscard and current distance value of swiping the card between the terminal;
The distance value and the predefined distance value that obtain are compared:
If intelligent mobile terminal equipment and the current distance value between the terminal of swiping the card are less than the predefine distance value, then financial sector is drawn account automatically, this consumer sale success; If intelligent mobile terminal equipment and the current distance between the terminal of swiping the card are then solicited after the possessory suggestion of fiscard greater than the predefine range information, issuing bank takes further measures.
2. method according to claim 1, it is characterized in that, describedly obtain the possessory intelligent mobile terminal equipment of fiscard and current distance value step of swiping the card between the terminal also comprises: obtain described intelligent mobile terminal equipment and the described location information of terminals of swiping the card respectively, according to positional information calculation intelligent mobile terminal equipment and current distance value of swiping the card between the terminal.
3. method according to claim 2 is characterized in that the positional information of described intelligent mobile terminal equipment is obtained by intelligent terminal, and the current location information of terminals of swiping the card is obtained and sent to intelligent terminal by financial sector;
Intelligent terminal calculates described intelligent mobile terminal equipment and current distance value of swiping the card between the terminal, and distance value and the predefined distance value that obtains compared;
If intelligent mobile terminal equipment and the current distance value between the terminal of swiping the card are less than the predefine distance value, then intelligent mobile terminal equipment sends confirmation to financial sector; If intelligent mobile terminal equipment and the current distance between the terminal of swiping the card are greater than the predefine range information, then whether intelligent mobile terminal device prompts user carries out normal consume operations, and user's selection result is sent to financial sector.
4. method according to claim 3 is characterized in that, the possessory selection result of described fiscard comprise agree this consumer sale and to its fiscard draw account, cancel this consumer sale, financial sector is freezed its fiscard.
5. method according to claim 3 is characterized in that described financial sector also sends to intelligent terminal with the details of described this consumption of the user of swiping the card.
6. method according to claim 5 is characterized in that, the details of described this consumption of the user of swiping the card comprise: this charge time, the detailed list of customer consumption.
7. method according to claim 1 is characterized in that, the possessory intelligent mobile terminal equipment of described financial sector and fiscard is by the public telecom network interactive information.
8. method according to claim 7, it is characterized in that, the communication identifier and the fiscard sign of binding card user intelligent mobile terminal equipment in the hair fastener financial sector, financial sector identifies the communication identifier that finds user's intelligent mobile terminal equipment according to the fiscard that obtains, and sends information by public telecom network or local area wireless network to intelligent mobile terminal equipment according to this communication identifier; Intelligent mobile terminal equipment returns to financial sector according to the source address of received information with the information of required transmission.
9. according to any described method of claim 2 to 8, it is characterized in that the positional information of the possessory intelligent mobile terminal equipment of described fiscard obtains by positioning system;
The described location information of terminals of swiping the card is to be stored in advance and provided by the financial sector of this fiscard, perhaps obtains by positioning system.
10. method according to claim 9 is characterized in that, described positioning system is global position system GPS or network assistance GPS positioning system AGPS or GPS one.
11. method according to claim 9 is characterized in that, the positional information of the possessory intelligent mobile terminal equipment of described fiscard comprises longitude, latitude, the elevation information of intelligent mobile terminal equipment current location;
The described location information of terminals of swiping the card comprises the longitude, latitude of this described terminal position of swiping the card, highly.
12. method according to claim 1 is characterized in that, described intelligent mobile terminal equipment is smart mobile phone, the equipment that maybe can obtain himself position and have ability to communicate, computing power and storage capacity;
Described fiscard is that the stored value card of bank card or other types or the meter of borrowing of other types block;
Described financial sector is a banking system, or other commercial undertakings or the mechanism that pays the fees.
13. an intelligent mobile terminal equipment of realizing preventing finance card from brushing deceptively is characterized in that, comprising: locating module is used to obtain the current position of intelligent mobile terminal equipment information;
The bank information module is used to receive the current terminal position information of sending from financial sector of swiping the card;
Apart from judging module,, calculate intelligent mobile terminal equipment and the current terminal absolute distance value between the position separately of swiping the card according to intelligent mobile terminal equipment current position information and the current terminal position information of swiping the card; The described absolute distance value and the predefined reference distance value that calculate are compared;
The user confirms module, receives described comparative result from the distance judging module, if intelligent mobile terminal equipment and the current absolute distance value between the terminal of swiping the card less than the predefine distance value, then send confirm transaction information to operation executing module; If intelligent mobile terminal equipment and the current absolute distance value between the terminal of swiping the card be greater than the predefine distance value, this consumer sale of then pointing out the user whether to agree fiscard, and user's selection result sent to operation executing module;
Operation executing module is used to collect the information that the user confirms that module transmits and is sent to financial sector.
14. intelligent mobile terminal equipment according to claim 13 is characterized in that,
Described locating module comprises position signalling receiving antenna and positional information receiver, and wherein the radiofrequency signal that receives from HA Global Positioning Satellite of position signalling receiving antenna flows to the positional information receiver by this position signalling receiving antenna; The positional information receiver is analyzed to the received signal, extracts the current position of intelligent mobile terminal equipment information;
Described bank information module, comprise bank information receiving antenna and bank information receiver, the bank information receiving antenna receives the radiofrequency signal of sending from the hair fastener financial sector about user card punching information at any time, flows to the bank information receiver by this bank information receiving antenna; The bank information receiver is analyzed to the received signal, obtains the current terminal position information of swiping the card, and stores the bank information receiver into, and the positional information of extracting wherein directly is transferred to apart from judging module simultaneously;
Described apart from judging module, comprise distance calculation submodule and judgement submodule, the distance calculation submodule calculates intelligent mobile terminal equipment and the current terminal absolute distance between the position separately of swiping the card according to the input information of locating module and bank information module; The reference distance of absolute distance that the judgement submodule calculates the distance calculation submodule and the definition of predefine range information compares;
The user confirms module, comprises confirming submodule, forbidding that submodule and inefficacy submodule, user select to agree after this consumer sale of fiscard, triggers and confirms that word modules sends confirmation to operation executing module; The user selects issuing bank to freeze after its fiscard, triggers to forbid that submodule sends and freeze the information of current fiscard to operation executing module; The user refuses after this consumer sale of fiscard, triggers the inefficacy submodule and sends the information of this consumer sale of cancellation to operation executing module.
15. intelligent mobile terminal equipment according to claim 14 is characterized in that, the bank information module also receives the details of this consumption of user of swiping the card that financial sector sends;
Described user confirms module, also comprise fiscard consumption information collection submodule, it is detailed single to obtain this consumption of fiscard from the bank information module, be shown to intelligent mobile terminal equipment display interface and present to the user, if the user selects to confirm, then trigger and confirm that word modules sends confirmation to operation executing module.
16. intelligent mobile terminal equipment according to claim 13 is characterized in that, described intelligent mobile terminal equipment is smart mobile phone, the equipment that maybe can obtain himself position and have ability to communicate, computing power and storage capacity.
17. a financial sector that realizes preventing finance card from brushing deceptively is characterized in that, comprising:
The card using information acquisition module, when action was swiped the card in generation, this card using information acquisition module was activated and gathers current bank brushing card location information of terminals of swiping the card, and these information are sent to transceiver module;
Transceiver module is used for the bank brushing card location information of terminals is sent to intelligent mobile terminal equipment; Reception is by the operation information of the transmission of intelligent mobile terminal equipment, and is sent to the enforcement of judgment execute a judgement module of hair fastener financial sector;
The enforcement of judgment execute a judgement module will be resolved the operation information that transceiver module obtains, and next step operation of judgement financial sector.
18. financial sector according to claim 17 is characterized in that, also comprises:
The module of transferring accounts, enforcement of judgment execute a judgement module judge that the user agrees to start this module of transferring accounts after this transaction of fiscard, and issuing bank deduct this and consumes the amount of money from fiscard;
Pintle hook lock module, enforcement of judgment execute a judgement module start this pintle hook lock module after judging that the user selects the pintle hook lock operation, and freezing this may stolen fiscard;
No operational module, enforcement of judgment execute a judgement module judge that the user refuses to start no operational module after this consumer sale of fiscard, and the not pintle hook lock of neither transferring accounts is also waited for the arriving of the action of next time swiping the card.
19. financial sector according to claim 17 is characterized in that, described transceiver module comprises: send submodule and receive submodule, send submodule and be responsible for the financial sector location information of terminals of swiping the card is sent to intelligent mobile terminal equipment; Receive submodule and be responsible for receiving the operation information that sends by the intelligent mobile terminal device transmission, and be sent to the enforcement of judgment execute a judgement module of financial sector.
20. financial sector according to claim 17 is characterized in that, described transceiver module is used for sending to intelligent mobile terminal equipment the details of this consumption of user of swiping the card.
21. financial sector according to claim 17 is characterized in that, described fiscard is that the stored value card of bank card or other types or the meter of borrowing of other types block;
Described financial sector is a banking system, or other commercial undertakings or the mechanism that pays the fees.
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| Application Number | Priority Date | Filing Date | Title |
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| CN2008101149893A CN101303781B (en) | 2008-06-16 | 2008-06-16 | Method and equipment for preventing finance card from brushing deceptively |
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| CN2008101149893A CN101303781B (en) | 2008-06-16 | 2008-06-16 | Method and equipment for preventing finance card from brushing deceptively |
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| CN101303781A true CN101303781A (en) | 2008-11-12 |
| CN101303781B CN101303781B (en) | 2011-08-10 |
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